How long does a personal injury settlement take in Canada?
Most straightforward PI claims settle within 12–24 months. Complex cases with disputed liability, serious injuries, or significant future loss claims can take 3–5 years. Cases that proceed to trial typically take 4–7 years from injury to judgment. Settling earlier usually means accepting less.
Should I accept the first settlement offer?
Almost never. Initial offers from insurance adjusters are typically 30–60% of the full claim value. Insurers know claimants are financially pressured and make low initial offers. Retaining a personal injury lawyer before accepting any offer is strongly recommended — most PI lawyers offer free consultations and work on contingency.
What is a Section 258.3 deductible in Ontario?
Ontario's Insurance Act imposes a threshold deductible on general damages (pain and suffering) for motor vehicle accident claims. The 2024 deductible is $43,558 — meaning the first $43,558 of a general damages award is deducted unless the award exceeds the threshold amount ($146,844 in 2024). This does not apply to catastrophic impairment claims.